Welcome to the KY Personal Finance Challenge!
Fall registration is now open!
The Kentucky Personal Finance Challenge (KYPFC) is an academic competition that allows students to demonstrate their personal finance knowledge in a competitive environment. This challenge help students apply key financial concepts while preparing them for real-world financial decisions. This year we are expanding the challenge to include the fall semester in order to engage even more students. See the fall dates below, spring dates will be announced soon.
Any Kentucky high school or middle school student (grades 6-12) is eligible to participate. There is no cost to compete. The deadlines are below:
Online Fall Challenge begins October 6, 2025 and ends December 13, 2025.
How does the Challenge Work?
- Teachers Register - Teachers sign up and create student teams of 3-4 students. There is no limit to how many teams a teacher can enter and registration is free.
- Teams Take the Online Exam - Students compete in the first round by completing a 30-question, multiple-choice online exam covering key personal finance topics. The exam must be completed in 35 minutes, and all questions must be answered before moving forward.
- Top Teams Advance to the State Finals - The highest-scoring teams move on to the Kentucky State Finals at Northern Kentucky University. Finalist teams will analyze a fictional case study and present their financial recommendations to a panel of business leaders, economists, and financial professionals.
- State Champion Represents Kentucky at Nationals - The winning team will travel to compete in the National Personal Finance Challenge Finals. All travel, lodging, and meals will be covered for the team and their teacher.
New to the Kentucky Personal Finance Challenge?
Welcome!! To get started:
- Select "Teacher Registration" from the menu and create your teacher profile
- Your registration will be confirmed within 24 hours.
- Once approves, log in and begin creating your teams.
Returning Teachers - Welcome Back!
Your profile is already saved from previous years. Simply log in, create your teams, and prepare for another year of competition.